@charset "utf-8";
/* Nestor Insurance Services - design preview stylesheet */

@font-face { font-family: "Montserrat"; src: url("../fonts/Montserrat-Regular.ttf") format("truetype"); font-weight: 400; font-display: swap; }
@font-face { font-family: "Montserrat"; src: url("../fonts/Montserrat-Medium.ttf") format("truetype"); font-weight: 500; font-display: swap; }
@font-face { font-family: "Montserrat"; src: url("../fonts/Montserrat-SemiBold.ttf") format("truetype"); font-weight: 600; font-display: swap; }
@font-face { font-family: "Montserrat"; src: url("../fonts/Montserrat-Bold.ttf") format("truetype"); font-weight: 700; font-display: swap; }

:root {
  /* Brand (sampled from official logo) */
  --teal: #1C545D;
  --gray: #818285;
  --gray-text: #5E5F63;   /* logo gray darkened for small text (WCAG AA) */
  --amber-text: #8A5A00;  /* amber darkened for text on light backgrounds */
  --amber-light: #F5C66E; /* amber for small text on mid teal */
  /* Supporting */
  --teal-800: #133B42;
  --teal-900: #0D2A2F;
  --teal-100: #DCEAEA;
  --teal-50: #EEF5F4;
  --amber: #E8A93A;
  --amber-600: #C98A1C;
  --ink: #1A2427;
  --muted: #4E5A5D;
  --line: #D9DEDD;
  --paper: #FAF8F4;
  --white: #FFFFFF;

  --font-head: "Montserrat", system-ui, sans-serif;
  --font-body: "Source Sans 3", system-ui, -apple-system, "Segoe UI", sans-serif;

  --radius: 6px;
  --wrap: 1180px;
  --gutter: clamp(16px, 4vw, 40px);
  --shadow: 0 1px 2px rgba(13, 42, 47, .06), 0 8px 24px rgba(13, 42, 47, .08);
}

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 1.125rem;
  line-height: 1.6;
  color: var(--ink);
  background: var(--paper);
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--teal); text-underline-offset: 3px; }
a:hover { color: var(--teal-800); }
:focus-visible { outline: 3px solid var(--amber); outline-offset: 2px; border-radius: 2px; }

h1, h2, h3, h4 { font-family: var(--font-head); line-height: 1.15; color: var(--teal-900); margin: 0 0 .5em; letter-spacing: -.01em; }
h1 { font-size: clamp(2.1rem, 5vw, 3.5rem); font-weight: 700; }
h2 { font-size: clamp(1.6rem, 3.4vw, 2.4rem); font-weight: 700; }
h3 { font-size: 1.25rem; font-weight: 600; }
p { margin: 0 0 1em; }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 var(--gutter); }
.eyebrow {
  font-family: var(--font-head); font-size: .8rem; font-weight: 600;
  letter-spacing: .18em; text-transform: uppercase; color: var(--gray-text); margin-bottom: .9rem;
}
.lede { font-size: clamp(1.15rem, 2vw, 1.35rem); color: var(--muted); max-width: 40em; }
.skip { position: absolute; left: -999px; top: 0; background: var(--white); padding: .6rem 1rem; z-index: 100; }
.skip:focus { left: 1rem; }

/* Preview banner */
.preview-banner {
  background: var(--teal-900); color: #cfe0df; font-size: .85rem; text-align: center;
  padding: .45rem var(--gutter); font-family: var(--font-head); letter-spacing: .02em;
}

/* Buttons */
.btn {
  display: inline-flex; align-items: center; gap: .5rem; justify-content: center;
  font-family: var(--font-head); font-weight: 600; font-size: 1rem;
  padding: .85rem 1.4rem; border-radius: var(--radius); text-decoration: none;
  border: 2px solid transparent; transition: background .15s, color .15s, border-color .15s;
  min-height: 48px;
}
.btn-primary { background: var(--teal); color: var(--white); }
.btn-primary:hover { background: var(--teal-800); color: var(--white); }
.btn-accent { background: var(--amber); color: var(--teal-900); }
.btn-accent:hover { background: var(--amber-600); color: var(--teal-900); }
.btn-ghost { border-color: currentColor; color: var(--teal); background: transparent; }
.btn-ghost:hover { background: var(--teal-50); }
.btn-ghost-light { border-color: rgba(255,255,255,.7); color: var(--white); }
.btn-ghost-light:hover { background: rgba(255,255,255,.1); color: var(--white); }

/* Header */
.site-header { background: var(--white); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 50; }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; min-height: 76px; }
.brand img { height: 46px; width: auto; }
.nav { display: flex; align-items: center; gap: 1.75rem; }
.nav > a, .nav summary {
  white-space: nowrap;
  font-family: var(--font-head); font-weight: 500; font-size: .95rem; color: var(--ink);
  text-decoration: none; cursor: pointer; padding: .5rem 0;
}
.nav > a:hover, .nav summary:hover { color: var(--teal); }
.nav details { position: relative; }
.nav summary { list-style: none; display: flex; align-items: center; gap: .35rem; }
.nav summary::-webkit-details-marker { display: none; }
.nav summary::after { content: ""; width: 7px; height: 7px; border-right: 2px solid currentColor; border-bottom: 2px solid currentColor; transform: rotate(45deg) translateY(-3px); }
.dropdown {
  position: absolute; top: calc(100% + 10px); left: -1rem; min-width: 290px;
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow); padding: .5rem;
}
.dropdown a { display: block; padding: .65rem .85rem; border-radius: 4px; text-decoration: none; color: var(--ink); font-size: 1rem; }
.dropdown a:hover { background: var(--teal-50); color: var(--teal-900); }
.dropdown a small { display: block; color: var(--muted); font-size: .85rem; }
.dropdown hr { border: 0; border-top: 1px solid var(--line); margin: .35rem .5rem; }
/* Hover menu under a top-level nav link (Contact > Client Center) */
.nav-drop { position: relative; }
.nav-drop > a { white-space: nowrap; font-family: var(--font-head); font-weight: 500; font-size: .95rem; color: var(--ink); text-decoration: none; padding: .5rem 0; display: inline-flex; align-items: center; gap: .35rem; }
.nav-drop > a::after { content: ""; width: 6px; height: 6px; border-right: 2px solid currentColor; border-bottom: 2px solid currentColor; transform: rotate(45deg) translateY(-3px); }
.nav-drop > a:hover, .nav-drop > a[aria-current] { color: var(--teal); }
.nav-drop .dropdown { display: none; top: 100%; left: -1rem; min-width: 260px; z-index: 30; }
.nav-drop .dropdown::before { content: ""; position: absolute; left: 0; right: 0; top: -12px; height: 12px; }
.nav-drop:hover .dropdown, .nav-drop:focus-within .dropdown { display: block; }
.header-actions { display: flex; align-items: center; gap: .7rem; }
.header-actions .btn { white-space: nowrap; padding: .6rem 1rem; font-size: .92rem; }
/* Narrower screens: keep "Get a Quote" in the header; scheduling stays in each page's own buttons */
@media (max-width: 1160px) { .header-actions .btn:not(.header-quote) { display: none; } }
.phone-link { font-family: var(--font-head); font-weight: 600; color: var(--teal); text-decoration: none; white-space: nowrap; }
.menu-toggle { display: none; }

/* Hero */
.hero { background: var(--white); border-bottom: 1px solid var(--line); overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(2rem, 5vw, 4rem); align-items: center; padding-block: clamp(3rem, 7vw, 5.5rem); }
.hero h1 span { color: var(--teal); }
.hero-ctas { display: flex; flex-wrap: wrap; gap: .8rem; margin: 1.8rem 0 1.4rem; }
.hero-note { font-size: .98rem; color: var(--muted); }
.hero-note a { font-weight: 600; }

/* Full-bleed hero (reference: McDade / Insurance For Texans) with quick form (reference: Hutsenpiller) */
.hero-full { position: relative; background: var(--teal-900); color: var(--white); border: 0; isolation: isolate; }
.hero-bg {
  position: absolute; inset: 0; z-index: -1;
  background:
    linear-gradient(100deg, rgba(13,42,47,.96) 0%, rgba(13,42,47,.82) 45%, rgba(28,84,93,.55) 100%),
    repeating-linear-gradient(45deg, rgba(255,255,255,.035) 0 18px, transparent 18px 36px),
    var(--teal);
}
.photo-tag { position: absolute; right: 1rem; bottom: .8rem; font-size: .78rem; color: rgba(255,255,255,.55); font-family: var(--font-head); }
.hero-full .hero-grid { grid-template-columns: 1.25fr .75fr; padding-block: clamp(3.5rem, 8vw, 6.5rem); }
.hero-full h1 { color: var(--white); font-size: clamp(2.3rem, 5.4vw, 4.1rem); }
.hero-full h1 em, .review-band h2 em { font-style: italic; color: var(--amber); font-weight: 600; }
.hero-full .eyebrow { color: var(--amber); }
.hero-full .lede { color: #d6e5e4; }
.hero-full .hero-note { color: #b9cfce; }
.hero-full .hero-note a { color: var(--white); }
.help-card {
  background: var(--white); color: var(--ink); border-radius: 10px; padding: 1.6rem;
  box-shadow: 0 20px 50px rgba(0,0,0,.3); display: grid; gap: .8rem; border-top: 5px solid var(--amber);
}
.help-card h2 { font-size: 1.45rem; margin: 0; }
.help-card p { margin: 0; color: var(--muted); font-size: .98rem; }
.help-card label { display: grid; gap: .3rem; font-size: .85rem; font-weight: 600; color: var(--muted); font-family: var(--font-head); }
.help-card input, .help-card select {
  font: inherit; font-family: var(--font-body); font-size: 1rem; font-weight: 400; color: var(--ink);
  border: 1px solid #c3cbca; border-radius: var(--radius); padding: .65rem .75rem; min-height: 46px; background: var(--white); width: 100%;
}
.help-card input:focus, .help-card select:focus { border-color: var(--teal); outline: 2px solid var(--teal-100); }
.help-card .two { display: grid; grid-template-columns: 1fr 1fr; gap: .8rem; }
.help-card small { color: var(--gray-text); font-size: .78rem; text-align: center; }

/* Quick actions */
.quick { background: var(--white); border-bottom: 1px solid var(--line); }
.quick-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.quick a { padding: 1.3rem 1.2rem; text-decoration: none; color: var(--ink); border-left: 1px solid var(--line); display: grid; gap: .15rem; }
.quick a:last-child { border-right: 1px solid var(--line); }
.quick a:hover { background: var(--teal-50); }
.quick b { font-family: var(--font-head); color: var(--teal); font-size: 1rem; }
.quick b::after { content: " \2192"; color: var(--amber-600); }
.quick span { color: var(--muted); font-size: .92rem; }

/* Second-opinion band (reference: McDade) */
.review-band { background: var(--teal); color: #d6e5e4; }
.review-band h2 { color: var(--white); }
.review-band .eyebrow { color: var(--amber-light); }
.review-band .lede { color: #d6e5e4; }
.review-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
.review-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 1rem; }
.review-list li { background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.12); border-radius: var(--radius); padding: 1.1rem 1.25rem; font-size: 1.02rem; }
.review-list b { display: block; font-family: var(--font-head); color: var(--white); margin-bottom: .2rem; }

/* Local hero (direction from Tom's HubSpot draft) */
.hero-local { background: var(--white); isolation: isolate; }
.hero-bg.has-photo { background-color: var(--teal); background-size: cover; background-position: center; background-repeat: no-repeat; }
.hero-local .hero-grid { grid-template-columns: 1.45fr .75fr; }
.hero-local h1 { font-size: clamp(2.4rem, 5.2vw, 4.1rem); color: var(--ink); }
.hero-local .eyebrow { color: var(--ink); letter-spacing: .12em; font-weight: 500; }
.hero-local .hero-image { max-width: 380px; justify-self: end; }
.hero-local h1 span { color: var(--teal); }
.hero-image { margin: 0; position: relative; }
.hero-image img { width: 100%; aspect-ratio: 4 / 3; object-fit: cover; border-radius: 10px; box-shadow: var(--shadow); }
.hero-image::before { content: ""; position: absolute; inset: 14px -14px -14px 14px; border: 2px solid var(--teal-100); border-radius: 10px; z-index: -1; }
.hero-image figcaption { margin-top: .8rem; font-size: .85rem; color: var(--gray-text); font-family: var(--font-head); }

/* Business / personal split */
.split-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }
.split-card { background: var(--white); border: 1px solid var(--line); border-radius: 10px; overflow: hidden; display: flex; flex-direction: column; scroll-margin-top: 100px; }
.split-card img { width: 100%; aspect-ratio: 16 / 9; object-fit: cover; }
.split-card > div { padding: 1.6rem 1.6rem 1.8rem; display: flex; flex-direction: column; flex: 1; }
.split-card h3 { font-size: 1.45rem; }
.split-card p { color: var(--muted); }
.split-card .btn { align-self: flex-start; margin-top: auto; }
.tags { list-style: none; padding: 0; margin: 0 0 1.4rem; display: flex; flex-wrap: wrap; gap: .5rem; }
.tags li { background: var(--teal-50); color: var(--teal-900); border-radius: 999px; padding: .25rem .8rem; font-size: .88rem; font-family: var(--font-head); font-weight: 500; }

/* Coverage before price (Tom's draft) */
.cbp-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.cbp-grid article { background: var(--white); border: 1px solid var(--line); border-top: 4px solid var(--teal); border-radius: var(--radius); padding: 1.6rem; }
.cbp-grid .num { display: inline-grid; place-items: center; width: 2.2rem; height: 2.2rem; border-radius: 50%; background: var(--teal); color: var(--white); font-family: var(--font-head); font-weight: 700; margin-bottom: .9rem; }
.cbp-grid h3 { margin-bottom: .4rem; }
.cbp-grid p { color: var(--muted); margin: 0; font-size: 1.02rem; }
.split-card.text-only { border-top: 4px solid var(--teal); }
.split-card.text-only > div { padding: 2rem; }

/* 5-step process */
.steps.steps-5 { grid-template-columns: repeat(5, 1fr); gap: 1.5rem; }
.steps-5 p { font-size: 1rem; }

/* Industry cards: eyebrow + sublinks */
.niche-body .eyebrow { margin-bottom: .4rem; font-size: .72rem; }
.sublinks { margin-top: auto; font-family: var(--font-head); font-weight: 600; font-size: .95rem; }
.sublinks a { text-decoration: none; }
.sublinks a::after { content: " \2192"; }

/* Insurance in the real world (case study) */
.case-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: clamp(2rem, 5vw, 4rem); align-items: start; }
.case-photo { margin: 0; }
.case-photo img { width: 100%; aspect-ratio: 4 / 5; object-fit: cover; border-radius: 10px; box-shadow: var(--shadow); }
.case-steps { display: grid; gap: 1rem; margin-top: 1.5rem; }
.case-steps > div { background: var(--white); border: 1px solid var(--line); border-left: 4px solid var(--amber); border-radius: 0 var(--radius) var(--radius) 0; padding: 1.1rem 1.3rem; }
.case-steps h3 { font-size: 1.05rem; margin-bottom: .3rem; }
.case-steps p { margin: 0; color: var(--muted); font-size: 1.02rem; }

/* Review strip (real Google reviews) */
.review-head { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: end; gap: 1rem 2rem; margin-bottom: 2rem; }
.review-head h2 { margin: 0; font-size: clamp(1.4rem, 2.6vw, 1.9rem); }
.review-head .stars { color: #B07510; letter-spacing: .04em; margin-right: .3rem; }
.review-head .btns { display: flex; flex-wrap: wrap; gap: .6rem; }
.quote-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.quote { margin: 0; background: var(--white); border: 1px solid var(--line); border-radius: 10px; padding: 1.6rem; display: flex; flex-direction: column; position: relative; }
.quote::before { content: "\201C"; position: absolute; top: .2rem; right: 1.1rem; font-family: var(--font-head); font-size: 4rem; line-height: 1; color: var(--teal-100); }
.quote blockquote { margin: 0 0 1.2rem; font-size: 1.05rem; color: var(--ink); }
.quote figcaption { margin-top: auto; font-family: var(--font-head); font-weight: 600; color: var(--teal-900); }
.quote figcaption span { font-weight: 400; color: var(--gray-text); font-size: .9rem; }
/* Green version of the review strip (home page), to break up the light sections */
.review-strip.on-green { background: var(--teal); color: #d6e5e4; }
.review-strip.on-green h2 { color: var(--white); }
.review-strip.on-green .eyebrow { color: var(--amber-light); }
.review-strip.on-green .review-head .stars { color: var(--amber); }
.review-strip.on-green .quote { border-color: transparent; box-shadow: 0 10px 30px rgba(0,0,0,.18); }
.review-strip.on-green .btn-ghost { color: var(--white); border-color: rgba(255,255,255,.55); }
.review-strip.on-green .btn-ghost:hover { background: rgba(255,255,255,.12); }

/* Dark case study band */
.case-dark { background: var(--teal-900); color: #d6e5e4; }
.case-dark h2 { color: var(--white); }
.case-dark .eyebrow { color: var(--amber); }
.case-dark .lede { color: #d6e5e4; }
.case-dark .case-steps > div { background: rgba(255,255,255,.06); border-color: rgba(255,255,255,.12); border-left-color: var(--amber); }
.case-dark .case-steps h3 { color: var(--white); }
.case-dark .case-steps p { color: #c6d8d7; }
.case-dark .case-photo img { box-shadow: 0 20px 50px rgba(0,0,0,.35); }

/* Overview pages (Business / Personal) */
.crumbs-light, .crumbs-light a { color: #b9cfce; }
.page-hero-pad { padding-top: 2rem !important; }
.spec-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 1rem; }
.spec-grid.three { grid-template-columns: repeat(3, 1fr); }
.spec { display: block; background: var(--white); border: 1px solid var(--line); border-top: 4px solid var(--teal); border-radius: var(--radius); padding: 1.3rem; text-decoration: none; color: var(--ink); }
.spec:hover { border-top-color: var(--amber); box-shadow: var(--shadow); }
.spec h3 { font-size: 1.05rem; margin-bottom: .35rem; }
.spec h3::after { content: " \2192"; color: var(--teal); }
.spec p { margin: 0; color: var(--muted); font-size: .95rem; }
.cov-groups { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.cov-groups.four { grid-template-columns: repeat(4, 1fr); }
.cov-groups article { background: var(--white); border: 1px solid var(--line); border-radius: 10px; padding: 1.5rem; }
.cov-groups h3 { padding-bottom: .6rem; border-bottom: 2px solid var(--teal-100); }
.cov-groups ul { list-style: none; margin: 0; padding: 0; display: grid; gap: .85rem; }
.cov-groups li { color: var(--muted); font-size: .98rem; line-height: 1.45; }
.cov-groups li b { display: block; color: var(--teal-900); font-family: var(--font-head); font-size: .95rem; }
.checklist-card { background: var(--white); border: 1px solid var(--line); border-radius: 10px; padding: 1.6rem; }
.checklist.single { columns: 1; margin: 0 0 1rem; }
.small-note { margin: 0; color: var(--gray-text); font-size: .92rem; }
.wrap.narrow > * { max-width: 820px; }

/* Legal pages (privacy, terms, accessibility) */
.legal-hero { background: var(--teal-900); color: #d6e5e4; padding: 1.4rem 0 2.6rem; }
.legal-hero h1 { color: var(--white); font-size: clamp(2rem, 4vw, 2.8rem); margin: 1.2rem 0 .4rem; }
.legal-meta { margin: 0; color: #b9cfce; font-size: .95rem; }
.legal-body { padding-block: clamp(2.5rem, 5vw, 3.5rem) clamp(3rem, 6vw, 4.5rem); }
.legal-body > * { max-width: 760px; }
.legal-body h2 { font-size: 1.4rem; margin-top: 2.2rem; }
.legal-body h3 { font-size: 1.08rem; margin-top: 1.4rem; }
.legal-body ul { padding-left: 1.2rem; }
.legal-body li { margin-bottom: .5rem; }
.legal-body li b { color: var(--teal-900); }
.draft-note { background: #FFF6E3; border: 1px solid #F0D49A; border-left: 4px solid var(--amber); border-radius: var(--radius); padding: 1rem 1.2rem; font-size: 1rem; }
.confirm { background: #FFF1CC; color: #6B4A00; border-radius: 3px; padding: 0 .25rem; font-weight: 600; }

/* Client privacy notice (GLBA model-form layout) */
.notice .facts-table, .notice .share-table { width: 100%; max-width: 860px; border-collapse: collapse; margin: 1.2rem 0; background: var(--white); font-size: 1rem; }
.notice .facts-table th, .notice .facts-table td, .notice .share-table th, .notice .share-table td { border: 1px solid #9fb3b2; padding: .8rem 1rem; text-align: left; vertical-align: top; }
.notice .facts-table th { width: 26%; background: var(--teal); color: var(--white); font-family: var(--font-head); font-size: .95rem; }
.notice .facts-label { font-size: 1.3rem !important; letter-spacing: .06em; }
.notice .facts-title { font-family: var(--font-head); font-weight: 700; color: var(--teal-900); }
.notice .share-table thead th { background: var(--teal); color: var(--white); font-family: var(--font-head); font-size: .9rem; }
.notice .share-table td:nth-child(2), .notice .share-table td:nth-child(3) { width: 18%; text-align: center; font-weight: 600; }
.notice ul { margin: .5rem 0 0; }
.legal-body.notice > * { max-width: 860px; }
.print-btn { font: inherit; font-size: .9rem; background: none; border: 1px solid rgba(255,255,255,.5); color: var(--white); border-radius: 4px; padding: .15rem .6rem; cursor: pointer; margin-left: .3rem; }
@media print {
  .preview-banner, .utility, .site-header, .site-footer, .mobile-bar, .print-btn, .draft-note, .skip, .consent-banner, .toc { display: none !important; }
  .article-grid { display: block !important; padding-top: 1rem !important; }
  .post-hero { background: none !important; color: #000; padding: 0 !important; }
  .post-hero h1, .post-hero .post-dek, .post-hero .byline, .post-hero .byline a { color: #000 !important; }
  .post-cta { background: #EEF5F4 !important; color: #000 !important; }
  .post-cta h2 { color: #0D2A2F !important; }
  .faq details > p { display: block !important; }
  .faq summary::after { content: "" !important; }
  body { background: #fff; padding: 0; font-size: 11pt; }
  .legal-hero { background: none; color: #000; padding: 0; }
  .legal-hero h1, .legal-meta { color: #000; }
  .crumbs { display: none; }
  .confirm { background: none; color: #000; font-weight: 400; }
  .notice .facts-table th, .notice .share-table thead th { background: #e6e6e6 !important; color: #000 !important; }
  table { page-break-inside: avoid; }
}

/* Analytics consent banner */
.consent-banner { position: fixed; left: 1rem; right: 1rem; bottom: 1rem; z-index: 80; max-width: 760px; margin: 0 auto; background: var(--white); border: 1px solid var(--line); border-top: 4px solid var(--teal); border-radius: 10px; box-shadow: 0 16px 40px rgba(13,42,47,.22); padding: 1rem 1.2rem; display: flex; flex-wrap: wrap; gap: .8rem 1.2rem; align-items: center; justify-content: space-between; }
.consent-text { flex: 1 1 22rem; }
.consent-text b { font-family: var(--font-head); color: var(--teal-900); }
.consent-text p { margin: .25rem 0 0; font-size: .95rem; color: var(--muted); }
.consent-actions { display: flex; gap: .6rem; flex-wrap: wrap; }
.consent-actions .btn { min-height: 44px; padding: .6rem 1.1rem; font-size: .95rem; }
.legal button.link-btn { background: none; border: 0; padding: 0; font: inherit; color: #d4e3e2; cursor: pointer; }
.legal button.link-btn:hover { color: var(--white); text-decoration: underline; }
@media (max-width: 760px) { .consent-banner { bottom: 86px; left: .6rem; right: .6rem; } .consent-actions { width: 100%; } .consent-actions .btn { flex: 1; } }

/* Quote request form */
.quote-layout { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: clamp(2rem, 4vw, 3.5rem); padding-block: clamp(2rem, 5vw, 3.5rem) clamp(3rem, 6vw, 4.5rem); align-items: start; }
.quote-form, .quote-done { background: var(--white); border: 1px solid var(--line); border-radius: 10px; padding: clamp(1.2rem, 3vw, 2rem); }
.quote-form fieldset { border: 0; margin: 0 0 1.2rem; padding: 0; min-width: 0; }
.quote-form legend { font-family: var(--font-head); font-weight: 600; color: var(--teal-900); margin-bottom: .6rem; padding: 0; }
.type-picker { display: grid; grid-template-columns: repeat(2, 1fr); gap: .8rem; }
.life-panel { margin-top: .4rem; }
/* Quote page steps (step 1 collapses, not hidden, so its answers are still submitted) */
.quote-step.is-collapsed { display: none; }
.step-count { font-family: var(--font-head); font-size: .85rem; font-weight: 600; color: var(--muted); margin: 0 0 .3rem; }
.step-count .link-btn { font: inherit; color: var(--teal); text-decoration: underline; background: none; border: 0; padding: 0; cursor: pointer; }
.form-step.first { margin-top: 0; padding-top: 0; border-top: 0; }
.form-step:focus { outline: none; }
.path-picker { margin-top: 1.2rem; }
.full-panel { background: var(--teal-50); border: 1px solid var(--teal-100); border-radius: var(--radius); padding: 1rem 1.2rem; margin-top: 1rem; }
.full-panel p { margin: 0 0 .7rem; }
.save-note { margin-top: 1rem; }
/* Life insurance page: Back9 Quote & Apply embed (full width; Back9 sizes its own height) */
.life-embed { width: 100%; min-height: 220px; }
.life-fallback { background: var(--teal-50); border: 1px solid var(--teal-100); border-radius: 10px; padding: clamp(1.2rem, 3vw, 2rem); max-width: 760px; }
.life-fallback h2 { margin-bottom: .4rem; }
.life-fallback .btn { margin-top: .6rem; }
.life-note { margin-top: 1rem; }
.text-link { display: inline-block; margin-top: .6rem; font-family: var(--font-head); font-weight: 600; color: var(--teal); }
.life-panel .btn { margin: .4rem 0 .8rem; }
.type-picker legend { font-size: 1.2rem; grid-column: 1 / -1; }
.type-card { display: flex; gap: .7rem; align-items: flex-start; border: 2px solid var(--line); border-radius: 10px; padding: 1rem; cursor: pointer; background: var(--paper); }
.type-card:has(input:checked) { border-color: var(--teal); background: var(--teal-50); }
.type-card input { margin-top: .3rem; accent-color: var(--teal); width: 18px; height: 18px; }
.type-card b { display: block; font-family: var(--font-head); color: var(--teal-900); }
.type-card small { display: block; color: var(--muted); font-size: .9rem; line-height: 1.35; margin-top: .2rem; }
.form-step { font-size: 1.15rem; margin: 1.8rem 0 .9rem; padding-top: 1.2rem; border-top: 1px solid var(--line); }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: .9rem 1.2rem; margin-bottom: 1rem; align-items: start; }
.field { display: grid; gap: .35rem; margin-bottom: .2rem; }
.field label { font-family: var(--font-head); font-size: .88rem; font-weight: 600; color: var(--ink); }
.field input, .field select, .field textarea { font: inherit; font-size: 1rem; color: var(--ink); border: 1px solid #b9c3c2; border-radius: var(--radius); padding: .65rem .75rem; min-height: 46px; background: var(--white); width: 100%; }
.field textarea { min-height: 110px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--teal); outline: 3px solid var(--teal-100); }
[aria-invalid="true"] { border-color: #B42318 !important; outline: 2px solid #FDE2E0; }
.inline-choices { display: flex; flex-wrap: wrap; gap: .4rem 1.2rem; align-items: center; }
.inline-choices legend { width: 100%; }
.inline-choices label, .check-grid label { display: inline-flex; gap: .45rem; align-items: center; min-height: 40px; cursor: pointer; }
.check-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: .1rem 1rem; }
.check-grid legend { grid-column: 1 / -1; }
.quote-form input[type=checkbox], .quote-form input[type=radio] { accent-color: var(--teal); width: 18px; height: 18px; flex: none; }
.field-note { font-size: .9rem; color: var(--muted); }
.consents { display: grid; gap: .8rem; }
.consent { display: flex; gap: .7rem; align-items: flex-start; font-size: .92rem; color: var(--muted); background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: .8rem 1rem; cursor: pointer; }
.consent input { margin-top: .2rem; }
.consent b { color: var(--teal-900); }
.required-consent { border-left: 4px solid var(--teal); }
.btn-submit { width: 100%; margin-top: 1rem; font-size: 1.05rem; min-height: 54px; }
.form-errors { border: 2px solid #B42318; background: #FFF4F2; border-radius: 10px; padding: 1rem 1.2rem; margin-bottom: 1.2rem; }
.form-errors h2 { font-size: 1.05rem; color: #7A1A12; margin: 0 0 .4rem; }
.form-errors a { color: #7A1A12; }
.quote-aside { position: sticky; top: 110px; }
.aside-card { background: var(--teal-50); border: 1px solid var(--teal-100); border-radius: 10px; padding: 1.4rem; }
.next-steps { padding-left: 1.2rem; margin: 0 0 1rem; display: grid; gap: .6rem; font-size: .98rem; color: var(--muted); }
.next-steps b { color: var(--teal-900); }
.aside-rating { margin: 0; font-family: var(--font-head); font-size: .92rem; }
.aside-rating .stars { color: #B07510; }
@media (max-width: 1080px) { .quote-layout { grid-template-columns: 1fr; } .quote-aside { position: static; } }
@media (max-width: 640px) { .type-picker, .grid-2, .check-grid { grid-template-columns: 1fr; } }

.conditional-block { background: var(--teal-50); border: 1px solid var(--teal-100); border-radius: var(--radius); padding: 1rem 1.1rem .4rem; margin: 0 0 1.2rem; }
.block-title { font-family: var(--font-head); font-weight: 600; color: var(--teal-900); margin: 0 0 .7rem; }
.check-grid label.recommended { color: var(--teal-900); font-weight: 600; }
.rec-badge { font-style: normal; font-family: var(--font-head); font-size: .68rem; font-weight: 600; letter-spacing: .04em; text-transform: uppercase; background: #FFF1CC; color: #6B4A00; border-radius: 999px; padding: .1rem .45rem; margin-left: .2rem; }
.start-card { display: grid; gap: .7rem; }
.start-option { display: block; border: 1px solid var(--line); border-left: 4px solid var(--teal); border-radius: var(--radius); padding: .85rem 1rem; text-decoration: none; color: var(--ink); background: var(--paper); }
.start-option:hover { border-left-color: var(--amber); background: var(--teal-50); }
.start-option b { display: block; font-family: var(--font-head); color: var(--teal-900); }
.start-option b::after { content: " \2192"; color: var(--teal); }
.start-option span { font-size: .92rem; color: var(--muted); }

/* Blog / resources */
.post-hero h1 { max-width: 22em; }
.post-hero .eyebrow { color: var(--amber-light); margin: .8rem 0 .3rem; }
.post-dek { color: #d6e5e4; font-size: 1.12rem; max-width: 42em; margin: .3rem 0 .8rem; }
.byline { color: #b9cfce; font-size: .95rem; margin: 0; }
.byline a { color: var(--white); font-weight: 600; }
.post-body h2 { font-size: clamp(1.35rem, 2.6vw, 1.7rem); margin-top: 2.2rem; scroll-margin-top: 110px; }
.post-body h3 { margin-top: 1.4rem; }
.post-body ul, .post-body ol { padding-left: 1.3rem; }
.post-body li { margin-bottom: .45rem; }
.post-body p > strong:first-child { color: var(--teal-900); }
.table-wrap { overflow-x: auto; margin: 1rem 0 1.4rem; }
.post-cta { background: var(--teal-900); color: #d6e5e4; border-radius: 10px; padding: 1.6rem; margin: 2.4rem 0 1.6rem; }
.post-cta h2 { color: var(--white); margin: 0 0 .4rem; font-size: 1.35rem; }
.post-cta .btns { display: flex; flex-wrap: wrap; gap: .7rem; margin-top: 1rem; }
.post-cta .btn-ghost { color: var(--white); border-color: rgba(255,255,255,.6); }
.post-cta .btn-ghost:hover { background: rgba(255,255,255,.1); }
.author-box { display: flex; gap: 1.1rem; align-items: flex-start; border: 1px solid var(--line); border-radius: 10px; padding: 1.2rem; background: var(--white); margin-bottom: 1.4rem; }
.author-box img { width: 84px; height: 105px; object-fit: cover; object-position: top; border-radius: 8px; flex: none; }
.author-box p { margin: 0 0 .3rem; font-size: 1rem; }
.author-box .eyebrow { margin: 0 0 .2rem; }
.post-related ul { padding-left: 1.2rem; }
.filter-chips { display: flex; flex-wrap: wrap; gap: .5rem; margin-bottom: 1.6rem; }
.chip { font: inherit; font-family: var(--font-head); font-size: .9rem; font-weight: 600; border: 1px solid var(--line); background: var(--white); color: var(--teal-900); border-radius: 999px; padding: .45rem 1rem; cursor: pointer; min-height: 40px; }
.chip.is-on { background: var(--teal); border-color: var(--teal); color: var(--white); }
.resources-hub { padding-block: clamp(2rem, 5vw, 3rem) clamp(3rem, 6vw, 4.5rem); }
.author-page { display: grid; grid-template-columns: 300px 1fr; gap: clamp(1.5rem, 4vw, 3rem); padding-block: clamp(2rem, 5vw, 3rem) clamp(3rem, 6vw, 4.5rem); align-items: start; }
.author-page > div > * { max-width: 46rem; }
.author-photo { width: 100%; max-width: 300px; border-radius: 10px; box-shadow: var(--shadow); }
.author-posts { padding-left: 1.2rem; }
@media (max-width: 760px) { .author-page { grid-template-columns: 1fr; } .author-photo { max-width: 220px; } }

/* Canopy Connect prompt */
.canopy-cta { display: flex; flex-wrap: wrap; gap: .8rem 1.2rem; align-items: center; justify-content: space-between; background: var(--teal-50); border: 1px solid var(--teal-100); border-radius: var(--radius); padding: 1rem 1.2rem; margin-top: 1rem; }
.canopy-cta p { margin: 0; font-size: 1rem; color: var(--muted); max-width: 34rem; }
.canopy-cta b { color: var(--teal-900); display: block; font-family: var(--font-head); }
.checklist-card .canopy-cta { margin-top: 1.2rem; }

/* Real photos in cards */
.niche-img { width: 100%; height: 190px; object-fit: cover; }
.headshot { margin: 0; }
.headshot img { width: 100%; max-width: 420px; aspect-ratio: 4 / 5; object-fit: cover; object-position: top; border-radius: 10px; box-shadow: var(--shadow); }
.tagline { font-family: var(--font-head); font-weight: 600; color: var(--teal); font-size: 1.1rem; }

/* Resources */
.resource-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.resource { display: block; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.6rem; text-decoration: none; color: var(--ink); border-bottom: 4px solid var(--teal); }
.resource:hover { border-bottom-color: var(--amber); box-shadow: var(--shadow); }
.resource span { font-family: var(--font-head); font-size: .72rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gray-text); font-weight: 600; }
.resource h3 { margin: .6rem 0 .5rem; }
.resource p { color: var(--muted); margin: 0; font-size: 1.02rem; }

/* Contact band with form */
.contact-band { background: var(--teal-900); color: #d6e5e4; }
.contact-band h2 { color: var(--white); }
.contact-band .eyebrow { color: var(--amber); }
.contact-band .lede { color: #d6e5e4; }
.contact-band .hero-note, .contact-band .hero-note a { color: #b9cfce; }
.contact-band .help-card h2 { color: var(--teal-900); }
.contact-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }

/* Utility bar + mobile sticky bar (reference: PrimeRisk) */
.utility { background: var(--teal-900); color: #b9cfce; font-size: .78rem; font-family: var(--font-head); line-height: 1.3; }
.utility .wrap { display: flex; justify-content: space-between; align-items: center; gap: 1rem; padding-block: .28rem; }
.utility a { color: var(--white); text-decoration: none; font-weight: 600; }
.mobile-bar { display: none; }
.util-left { display: flex; flex-wrap: wrap; gap: .4rem; align-items: center; }
.utility .rating { color: var(--white); font-weight: 600; }
.utility .stars { color: var(--amber); letter-spacing: .05em; }

/* Industries list (replaces dropdown) */
.nav-industry { display: none; }
.industry-bar { border-top: 1px solid var(--line); background: var(--teal-50); }
.industry-bar .wrap { display: flex; align-items: center; gap: 1.25rem; padding-block: .45rem; font-family: var(--font-head); font-size: .88rem; }
.industry-bar span { color: var(--gray-text); font-weight: 600; letter-spacing: .08em; text-transform: uppercase; font-size: .72rem; }
.industry-bar ul { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: .3rem 1.6rem; }
.industry-bar a { color: var(--teal-900); text-decoration: none; font-weight: 500; }
.industry-bar a:hover, .industry-bar a[aria-current] { color: var(--teal); text-decoration: underline; }

/* Problem section (reference: PrimeRisk) */
.problem h2 em { font-style: italic; color: var(--teal); }
.problem-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.problem-grid article { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.6rem; }
.problem-grid span { font-family: var(--font-head); font-size: .72rem; font-weight: 600; letter-spacing: .16em; text-transform: uppercase; color: var(--amber-text); }
.problem-grid h3 { margin: .6rem 0 .5rem; font-size: 1.2rem; }
.problem-grid p { margin: 0; color: var(--muted); font-size: 1.02rem; }

/* Fine-print explainer */
.fine-print { display: grid; gap: .75rem; margin: 1.5rem 0 1rem; }
.fine-print details { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); }
.fine-print details[open] { border-color: var(--teal); box-shadow: var(--shadow); }
.fine-print summary { list-style: none; cursor: pointer; display: flex; align-items: center; gap: 1rem; padding: 1rem 1.2rem; font-family: var(--font-head); font-weight: 600; color: var(--teal-900); }
.fine-print summary::-webkit-details-marker { display: none; }
.fine-print summary::after { content: "\2192"; margin-left: auto; color: var(--teal); transition: transform .2s; }
.fine-print details[open] summary::after { transform: rotate(90deg); }
.form-code { flex: none; font-size: .75rem; letter-spacing: .06em; background: var(--teal-50); color: var(--teal); border: 1px solid var(--teal-100); border-radius: 4px; padding: .2rem .5rem; min-width: 5.2rem; text-align: center; }
.fine-print details > div { padding: 0 1.2rem 1.1rem; color: var(--muted); font-size: 1.02rem; }
.fine-print details > div p { margin: 0 0 .6rem; }
.fine-print b { color: var(--teal-900); }

/* Gap check */
.gap-check { background: var(--teal-900); color: #d6e5e4; border-radius: 10px; padding: clamp(1.4rem, 4vw, 2.4rem); }
.gap-check h2 { color: var(--white); }
.gap-check .eyebrow { color: var(--amber); }
.gap-check fieldset { border: 0; border-top: 1px solid rgba(255,255,255,.12); margin: 0; padding: .9rem 0; display: flow-root; }
.gap-check legend { float: left; width: calc(100% - 200px); padding: 0; color: var(--white); font-size: 1.02rem; }
.gap-check .yn { float: right; display: flex; gap: .6rem; }
@media (max-width: 640px) {
  .gap-check legend { width: 100%; margin-bottom: .6rem; }
  .gap-check .yn { float: none; clear: both; }
}
.gap-check label { display: inline-flex; align-items: center; gap: .4rem; cursor: pointer; border: 1px solid rgba(255,255,255,.3); border-radius: 999px; padding: .35rem .9rem; font-family: var(--font-head); font-size: .9rem; min-height: 40px; }
.gap-check label:has(input:checked) { background: var(--amber); color: var(--teal-900); border-color: var(--amber); }
.gap-check input { accent-color: var(--teal-900); }
.gap-result { margin-top: 1rem; padding: 1rem 1.2rem; background: rgba(255,255,255,.07); border-radius: var(--radius); display: flex; flex-wrap: wrap; gap: .8rem 1.2rem; align-items: center; }
.gap-result b { color: var(--white); }

/* Photo placeholders (replace with real photography) */
.photo {
  position: relative; border-radius: var(--radius); overflow: hidden; background: var(--teal);
  background-image:
    linear-gradient(135deg, rgba(13,42,47,.15), rgba(13,42,47,.55)),
    repeating-linear-gradient(45deg, rgba(255,255,255,.05) 0 14px, transparent 14px 28px);
  color: var(--white); display: flex; align-items: flex-end; min-height: 260px;
}
.photo::before {
  content: "N"; position: absolute; right: 1.2rem; top: .4rem;
  font-family: var(--font-head); font-weight: 700; font-size: 7rem; line-height: 1; color: rgba(255,255,255,.08);
}
.photo figcaption { position: relative; padding: 1rem 1.2rem; font-size: .88rem; line-height: 1.4; background: rgba(13,42,47,.55); width: 100%; }
.photo figcaption b { font-family: var(--font-head); font-size: .72rem; letter-spacing: .14em; text-transform: uppercase; display: block; color: var(--amber); margin-bottom: .2rem; }
.hero-photos { display: grid; grid-template-columns: 1fr 1fr; grid-template-rows: 1fr 1fr; gap: 14px; height: 460px; }
.hero-photos .photo:first-child { grid-row: span 2; }
.hero-photos .photo { min-height: 0; }

/* Proof strip */
.proof { background: var(--teal); color: var(--white); }
.proof ul { list-style: none; margin: 0 auto; padding-block: 1.4rem; display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
.proof li { display: flex; gap: .8rem; align-items: flex-start; font-size: .98rem; line-height: 1.4; color: #e3eeed; }
.proof strong { display: block; font-family: var(--font-head); color: var(--white); font-size: 1rem; }
.proof svg { flex: none; margin-top: 2px; }

/* Sections */
section.block { padding: clamp(3.5rem, 8vw, 6rem) 0; }
.section-head { max-width: 46rem; margin-bottom: 2.5rem; }
.alt { background: var(--teal-50); }

/* Niche cards */
.niche-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.niche {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  display: flex; flex-direction: column; overflow: hidden; transition: box-shadow .2s, transform .2s;
}
.niche:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.niche .photo { min-height: 190px; border-radius: 0; margin: 0; }
.niche-body { padding: 1.4rem 1.4rem 1.6rem; display: flex; flex-direction: column; flex: 1; }
.niche-body p { color: var(--muted); font-size: 1.02rem; }
.niche-body ul { margin: 0 0 1.2rem; padding-left: 1.1rem; color: var(--muted); font-size: .98rem; }
.niche-body .more { margin-top: auto; font-family: var(--font-head); font-weight: 600; text-decoration: none; }
.niche-body .more::after { content: " \2192"; }
.also { margin-top: 1.8rem; color: var(--muted); }

/* Lines of coverage */
.lines { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; }
.line-card { background: var(--white); border: 1px solid var(--line); border-top: 4px solid var(--teal); border-radius: var(--radius); padding: 1.4rem; text-decoration: none; color: var(--ink); }
.line-card:hover { border-top-color: var(--amber); }
.line-card h3 { margin-bottom: .35rem; }
.line-card p { color: var(--muted); font-size: .98rem; margin: 0; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; counter-reset: step; list-style: none; padding: 0; margin: 0; }
.steps li { counter-increment: step; border-top: 2px solid var(--teal); padding-top: 1.2rem; }
.steps li::before { content: "0" counter(step); font-family: var(--font-head); font-weight: 700; font-size: 2.4rem; color: var(--teal-100); display: block; line-height: 1; margin-bottom: .6rem; -webkit-text-stroke: 1px var(--teal); }
.steps p { color: var(--muted); }

/* About */
.about-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
.about-grid .photo { min-height: 440px; }
.facts { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem 2rem; margin: 1.8rem 0; padding: 1.4rem 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.facts dt { font-family: var(--font-head); font-size: .75rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gray-text); font-weight: 600; }
.facts dd { margin: .2rem 0 0; font-weight: 600; }

/* Reviews */
.reviews-box { background: var(--white); border: 1px dashed var(--gray); border-radius: var(--radius); padding: 2rem; display: flex; gap: 2rem; align-items: center; justify-content: space-between; flex-wrap: wrap; }
.reviews-box p { margin: 0; color: var(--muted); max-width: 40rem; }
.reviews-box .stars { color: #B07510; letter-spacing: .05em; }
.reviews-box .btns { display: flex; flex-wrap: wrap; gap: .8rem; }

/* CTA band */
.cta-band { background: var(--teal-900); color: #d4e3e2; }
.cta-band .wrap { display: flex; gap: 2rem; align-items: center; justify-content: space-between; flex-wrap: wrap; padding-top: 3.5rem; padding-bottom: 3.5rem; }
.cta-band h2 { color: var(--white); margin-bottom: .3rem; }
.cta-band p { margin: 0; }
.cta-band .btns { display: flex; gap: .8rem; flex-wrap: wrap; }

/* Footer */
.site-footer { background: var(--teal-900); color: #a9c0bf; border-top: 1px solid rgba(255,255,255,.08); font-size: .98rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 2rem; padding-top: 3.5rem; padding-bottom: 2.5rem; }
.footer-grid img { height: 44px; width: auto; margin-bottom: 1.2rem; }
.site-footer h4 { color: var(--white); font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; margin-bottom: 1rem; }
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { margin-bottom: .45rem; }
.site-footer a { color: #d4e3e2; text-decoration: none; }
.site-footer a:hover { color: var(--white); text-decoration: underline; }
.site-footer address { font-style: normal; }
.legal { border-top: 1px solid rgba(255,255,255,.1); padding-top: 1.4rem; padding-bottom: 2rem; font-size: .85rem; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 1rem; }

/* ---------- Niche page ---------- */
.crumbs { font-size: .9rem; color: var(--muted); padding-top: 1.4rem; }
.crumbs a { color: var(--muted); }
.page-hero { background: var(--white); border-bottom: 1px solid var(--line); }
.page-hero .hero-grid { padding-top: 2rem; }
.page-hero .photo { min-height: 400px; }
.toc { position: sticky; top: 100px; align-self: start; font-size: .95rem; }
.toc h4 { font-size: .75rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gray-text); }
.toc ol { list-style: none; padding: 0; margin: 0 0 1.5rem; border-left: 2px solid var(--line); }
.toc a { display: block; padding: .35rem 0 .35rem 1rem; color: var(--muted); text-decoration: none; margin-left: -2px; border-left: 2px solid transparent; }
.toc a:hover { color: var(--teal); border-left-color: var(--teal); }
.toc a.btn { width: 100%; color: var(--white); border-left: 0; margin: 0; padding: .85rem 1.4rem; }
.toc a.btn:hover { color: var(--white); }
.article-grid { display: grid; grid-template-columns: 240px 1fr; gap: clamp(2rem, 5vw, 4.5rem); padding-block: clamp(3rem, 6vw, 4.5rem); }
.article { max-width: 46rem; }
.article section { margin-bottom: 3.5rem; scroll-margin-top: 100px; }
.article h2 { font-size: clamp(1.5rem, 3vw, 2rem); }
.fit-list { display: grid; grid-template-columns: 1fr 1fr; gap: .6rem 1.5rem; list-style: none; padding: 0; }
.fit-list li { padding-left: 1.6rem; position: relative; }
.fit-list li::before { content: ""; position: absolute; left: 0; top: .5em; width: .7rem; height: .7rem; background: var(--teal); border-radius: 2px; }
.exposure { border-left: 3px solid var(--amber); background: var(--white); padding: 1rem 1.25rem; margin-bottom: 1rem; border-radius: 0 var(--radius) var(--radius) 0; }
.exposure h3 { font-size: 1.05rem; margin-bottom: .25rem; }
.exposure p { margin: 0; color: var(--muted); font-size: 1.02rem; }
.cov-table { width: 100%; border-collapse: collapse; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; font-size: 1rem; }
.cov-table th, .cov-table td { text-align: left; padding: .9rem 1rem; border-bottom: 1px solid var(--line); vertical-align: top; }
.cov-table th { font-family: var(--font-head); font-size: .8rem; letter-spacing: .08em; text-transform: uppercase; background: var(--teal-50); color: var(--teal-900); }
.cov-table td:first-child { font-weight: 600; width: 34%; }
.callout { background: var(--teal-50); border-radius: var(--radius); padding: 1.25rem 1.4rem; font-size: 1rem; color: var(--muted); }
.callout strong { color: var(--teal-900); }
.checklist { columns: 2; column-gap: 2rem; padding-left: 1.2rem; }
.checklist li { margin-bottom: .5rem; break-inside: avoid; }
.faq details { border-bottom: 1px solid var(--line); padding: 1rem 0; }
.faq summary { font-family: var(--font-head); font-weight: 600; cursor: pointer; color: var(--teal-900); list-style: none; display: flex; justify-content: space-between; gap: 1rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.4rem; line-height: 1; color: var(--teal); }
.faq details[open] summary::after { content: "\2013"; }
.faq details p { margin: .8rem 0 0; color: var(--muted); }
.disclaimer { font-size: .9rem; color: var(--muted); border-top: 1px solid var(--line); padding-top: 1.2rem; }

/* ---------- Responsive ---------- */
@media (max-width: 1240px) {
  .proof ul { grid-template-columns: 1fr 1fr; }
  .lines { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .header-actions .phone-link { display: none; }
}
@media (max-width: 1080px) {
  .menu-toggle {
    display: inline-flex; align-items: center; justify-content: center; width: 48px; height: 48px;
    background: none; border: 1px solid var(--line); border-radius: var(--radius); cursor: pointer; color: var(--teal-900);
  }
  .nav {
    display: none; position: absolute; left: 0; right: 0; top: 100%; background: var(--white);
    flex-direction: column; align-items: stretch; gap: 0; padding: .5rem var(--gutter) 1.2rem; border-bottom: 1px solid var(--line); box-shadow: var(--shadow);
  }
  .nav.open { display: flex; }
  .industry-bar { display: none; }
  .nav .nav-industry { display: block; padding-left: 1rem; font-size: .92rem; color: var(--muted); }
  .nav .nav-industry-first { position: relative; margin-top: 1.6rem; }
  .nav .nav-industry-first::before { content: "Specializing in working with"; position: absolute; left: 0; top: -1.4rem; font-size: .72rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gray-text); font-weight: 600; }
  .nav > a, .nav summary { padding: .85rem 0; border-bottom: 1px solid var(--line); }
  .dropdown { position: static; box-shadow: none; border: 0; padding: 0 0 .5rem .5rem; min-width: 0; }
  .nav-drop > a { display: flex; padding: .85rem 0; border-bottom: 1px solid var(--line); }
  .nav-drop > a::after { display: none; }
  .nav-drop .dropdown { display: block; padding: 0; }
  .nav-drop .dropdown a { padding: .7rem 0 .7rem 1rem; font-size: .92rem; border-bottom: 1px solid var(--line); border-radius: 0; }
  .nav-drop .dropdown a small { display: none; }
  .header-actions .btn { display: none; }
  .hero-grid, .about-grid, .article-grid, .review-grid, .hero-full .hero-grid, .contact-grid { grid-template-columns: 1fr; }
  .resource-grid { grid-template-columns: 1fr 1fr; }
  .quote-grid { grid-template-columns: 1fr; }
  .spec-grid { grid-template-columns: repeat(3, 1fr); }
  .cov-groups, .cov-groups.four { grid-template-columns: 1fr 1fr; }
  .steps.steps-5 { grid-template-columns: repeat(3, 1fr); }
  .case-grid { grid-template-columns: 1fr; }
  .case-photo img { aspect-ratio: 16 / 9; }
  .quick-grid { grid-template-columns: 1fr 1fr; }
  .quick a { border-bottom: 1px solid var(--line); }
  .hero-photos { height: 340px; }
  /* Single-column layout: the section list and its button would sit mid-page, so drop the box. */
  .toc { display: none; }
}
@media (max-width: 760px) {
  .hero-bg.has-photo::after { content: ""; position: absolute; inset: 0; background: rgba(13,42,47,.5); }
  .niche-grid, .steps, .problem-grid, .split-grid, .resource-grid, .cbp-grid, .steps.steps-5, .spec-grid, .spec-grid.three, .cov-groups, .cov-groups.four { grid-template-columns: 1fr; }
  .hero-image::before { display: none; }
  .hero-local .hero-grid { grid-template-columns: 1fr; }
  .hero-local .hero-image { justify-self: start; max-width: 100%; }
  .headshot img { max-width: 280px; }
  .mobile-bar {
    display: grid; grid-template-columns: 1fr 1.6fr; gap: .6rem; position: fixed; left: 0; right: 0; bottom: 0; z-index: 60;
    background: var(--white); border-top: 1px solid var(--line); padding: .6rem var(--gutter) calc(.6rem + env(safe-area-inset-bottom));
    box-shadow: 0 -6px 20px rgba(13,42,47,.12);
  }
  body { padding-bottom: 76px; }
  /* Phones: keep just the Google rating in the top bar; the sticky bar handles calls */
  .utility .util-left { font-size: 0; }
  .utility .util-left .rating { font-size: .85rem; }
  .utility .wrap > a[href^="tel"] { display: none; }
  .utility .wrap { justify-content: center; }
}
@media (max-width: 560px) {
  body { font-size: 1.0625rem; }
  .brand img { height: 38px; }
  .proof ul, .lines, .footer-grid, .facts, .fit-list { grid-template-columns: 1fr; }
  .checklist { columns: 1; }
  .help-card .two { grid-template-columns: 1fr; }
  .quick-grid { grid-template-columns: 1fr; }
  .quick a, .quick a:last-child { border-left: 0; border-right: 0; padding-inline: 0; }
  .photo-tag { display: none; }
  .hero-photos { grid-template-columns: 1fr; grid-template-rows: 1fr; height: 260px; }
  .hero-photos .photo:not(:first-child) { display: none; }
  .hero-ctas .btn, .cta-band .btn, .gap-result .btn { width: 100%; }
  .cov-table, .cov-table tbody, .cov-table tr, .cov-table td { display: block; width: 100% !important; }
  .cov-table thead { display: none; }
  .cov-table tr { border-bottom: 1px solid var(--line); }
  .cov-table td { border: 0; padding: .4rem 1rem; }
  .cov-table td:first-child { padding-top: 1rem; }
  .cov-table td:last-child { padding-bottom: 1rem; }
}
@media (prefers-reduced-motion: reduce) { * { transition: none !important; scroll-behavior: auto !important; } }

/* ---------- Long application forms (/apply/...) ---------- */
.visually-hidden { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.lf-layout { max-width: 860px; padding-block: clamp(1.5rem, 4vw, 3rem) clamp(3rem, 6vw, 4.5rem); }
.lf-progress { font-family: var(--font-head); font-size: .9rem; font-weight: 600; color: var(--muted); margin: 0 0 .4rem; }
.lf-bar { height: 6px; background: var(--teal-100); border-radius: 3px; overflow: hidden; margin-bottom: 1.6rem; }
.lf-bar span { display: block; height: 100%; width: 0; background: var(--teal); transition: width .25s ease; }
.lf-page-title { font-size: 1.35rem; margin-bottom: 1.1rem; }
.lf-page-title:focus { outline: none; }
.lf-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem 1.2rem; align-items: start; }
.lf-wide { grid-column: 1 / -1; }
.lf-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem 1.2rem; }
.long-form fieldset { border: 0; padding: 0; margin: 0; min-width: 0; }
.long-form legend { font-family: var(--font-head); font-size: .88rem; font-weight: 600; color: var(--ink); padding: 0; margin-bottom: .35rem; }
.lf-section { border-top: 1px solid var(--line) !important; padding-top: 1rem !important; }
.lf-section > legend { font-size: 1rem; color: var(--teal-900); float: left; width: 100%; margin-bottom: .8rem; }
.lf-section > legend + .lf-grid { clear: both; }
.long-form .conditional-block { margin: 0; }
.long-form .check-grid { grid-template-columns: repeat(2, 1fr); }
.long-form .req { color: #B42318; }
.field-help { font-size: .85rem; color: var(--muted); margin: .1rem 0 0; }
.lf-error { color: #B42318; font-size: .88rem; font-weight: 600; margin: .25rem 0 0; }
.long-form [aria-invalid="true"] { border-color: #B42318 !important; }
.affix { position: relative; display: block; }
.affix::before, .affix::after { position: absolute; top: 50%; transform: translateY(-50%); color: var(--muted); pointer-events: none; }
.affix-pre::before { content: attr(data-affix); left: .75rem; }
.affix-pre input { padding-left: 1.6rem !important; }
.affix-post::after { content: attr(data-affix); right: .75rem; }
.affix-post input { padding-right: 1.8rem !important; }
.consent-box { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: .9rem 1rem; }
.consent-box p { font-size: .9rem; color: var(--muted); margin: 0 0 .5rem; }
.consent-box label { display: inline-flex; gap: .5rem; align-items: center; font-weight: 600; min-height: 40px; cursor: pointer; }
.lf-list-title { font-family: var(--font-head); font-size: .88rem; font-weight: 600; margin: 0; }
.lf-list .table-wrap { margin: .4rem 0 .6rem; }
.lf-list table { border-collapse: collapse; width: 100%; min-width: 520px; }
.lf-list th { font-size: .8rem; text-align: left; color: var(--muted); font-weight: 600; padding: 0 .4rem .3rem 0; }
.lf-list td { padding: 0 .4rem .4rem 0; }
.lf-list td input { font: inherit; width: 100%; min-height: 42px; border: 1px solid #b9c3c2; border-radius: var(--radius); padding: .45rem .55rem; }
.lf-remove { border: 0; background: none; font-size: 1.4rem; color: var(--muted); cursor: pointer; min-width: 40px; min-height: 40px; }
.btn-small { min-height: 40px; padding: .45rem .9rem; font-size: .9rem; }
.lf-nav { display: flex; gap: .8rem; justify-content: space-between; margin-top: 2rem; padding-top: 1.2rem; border-top: 1px solid var(--line); }
.lf-nav [data-next], .lf-nav [data-submit] { margin-left: auto; }
.lf-final { margin-top: 1.5rem; }
.lf-stop { background: #FFF8E6; border: 2px solid var(--amber); border-radius: 10px; padding: 1rem 1.2rem; }
.lf-stop p { margin: 0 0 .7rem; }
.lf-stop b { display: block; font-family: var(--font-head); color: var(--teal-900); }
.lf-done { background: var(--teal-50); border: 1px solid var(--teal-100); border-radius: 10px; padding: 1.6rem; }
@media (max-width: 640px) {
  .lf-grid, .lf-row, .long-form .check-grid { grid-template-columns: 1fr; }
  .lf-nav .btn { flex: 1; }
}